AML policy refresh: gap assessment against current requirements

Perform an AML policy gap assessment for {institution_name}.

Inputs:
- Current AML policy text: {current_policy}
- Regulatory requirements summary or exam findings: {requirements_findings}
- Program components (CDD, monitoring, training): {program_components}
- Recent incidents or SAR trends: {incident_trends}

Output:
1) Gap matrix: policy section, requirement, current coverage, gap, recommendation.
2) Prioritized remediation roadmap with owners and dates.
3) Evidence and training updates needed.
4) Board/management reporting summary bullets.

Keep it exam-ready and concrete.